Website Terms & Conditions

Please read these Terms & Conditions carefully before using this website, submitting a form, calling, texting, or otherwise communicating with Home Default Help. By accessing this website, submitting your information, calling, texting, or using any services or resources provided through HomeDefaultHelp.com, you agree to these Terms & Conditions.

1. Who We Are

Home Default Help is an independent homeowner options resource serving homeowners in Las Vegas, Henderson, North Las Vegas, and Clark County, Nevada. The website is designed for homeowners who may be behind on mortgage payments, have received a Notice of Default, are worried about a foreclosure timeline, or are considering possible real estate options.

Home Default Help may provide general information, intake conversations, and real estate sale-option discussions. If a homeowner chooses to explore selling, Home Default Help may discuss a possible purchase option, make a written offer, or connect the homeowner with a potential buyer or other appropriate professional.

2. No Legal, Mortgage, Tax, Credit, or Financial Advice

The information on this website and any communication with Home Default Help is for general informational purposes only. Nothing on this website, in a phone call, in a text message, in an email, or in any related communication should be considered legal advice, tax advice, mortgage advice, credit advice, financial advice, foreclosure advice, or document preparation advice.

You should consult with qualified professionals regarding your specific situation, including a licensed attorney, tax professional, financial advisor, mortgage professional, loan servicer, HUD-approved housing counselor, or other properly licensed professional where appropriate.

3. Homeowner Options Review

A homeowner options review is a general conversation intended to help identify what type of situation you may be facing and what categories of resources or real estate options may be relevant. This review is not a substitute for legal, mortgage, credit, tax, financial, or housing counseling advice.

During a homeowner options review, we may ask general questions about your property, mortgage status, Notice of Default, timeline, equity, whether you want to keep or sell the property, and whether you have already contacted your loan servicer or other professionals.

4. If You Are Considering Selling

If you are considering selling the property, Home Default Help may discuss general sale options, make a written purchase offer, or connect you with a potential buyer. Any sale transaction should be documented in writing and handled through appropriate professionals, which may include licensed title, escrow, legal, real estate, tax, financial, or other professional resources where applicable.

Sale options may depend on many factors, including but not limited to property condition, title condition, liens, loan balance, unpaid taxes, homeowner association balances, foreclosure timeline, equity, occupancy, market value, and the availability of qualified buyers.

If any proposed sale structure involves existing financing, a subject-to purchase, loan assumption, seller equity payment, payoff, reinstatement, escrow instructions, assignment, or other non-standard structure, you should seek independent legal, tax, mortgage, and financial advice before signing any agreement.

5. If You Want to Keep Your Home

If your goal is to keep your home, you should contact your loan servicer directly, a HUD-approved housing counseling agency, or a qualified attorney. Home Default Help does not provide loan-modification services, mortgage counseling, foreclosure counseling, legal representation, credit repair, debt relief, or document preparation services.

We may provide general resource information, but we do not represent you in communications with your lender, loan servicer, trustee, foreclosure mediator, court, or government agency.

6. Call, Text, SMS, and Communication Consent

By submitting a form on this website, clicking a call or text button, calling us, texting us, or otherwise providing your phone number to Home Default Help, you consent to be contacted by Home Default Help and its representatives, service providers, or referral partners regarding your inquiry, your property, your Notice of Default, or potential homeowner options.

You agree that we may contact you by phone call, text message, SMS, email, ringless voicemail where permitted, prerecorded message where permitted, artificial or automated voice where permitted, or automated dialing technology where permitted by applicable law. Consent is not a condition of purchasing any property, accepting any offer, or using any service.

Message frequency may vary. Message and data rates may apply. Your mobile carrier is not liable for delayed or undelivered messages.

7. How to Opt Out

You may opt out of text messages at any time by replying STOP. After you reply STOP, we may send a confirmation message that you have been unsubscribed. After that, you should no longer receive marketing text messages from us unless you later provide new consent.

You may also request that we stop contacting you by calling or texting 725-280-4645 and stating that you do not wish to be contacted.

For help by text message, you may reply HELP, or contact us directly at 725-280-4645.

8. No Guarantees

Home Default Help does not guarantee that any specific option will be available to you. We do not guarantee that a foreclosure will be postponed, delayed, stopped, avoided, or prevented. We do not guarantee that you will qualify for a loan modification, forbearance, refinance, reinstatement, repayment plan, short sale, sale transaction, cash offer, subject-to transaction, loan assumption, or any other solution.

Any outcome depends on facts specific to your situation, including lender or servicer decisions, legal deadlines, property value, market conditions, title status, liens, loan terms, investor availability, buyer availability, and applicable law.

9. No Government, Lender, or Servicer Affiliation

Home Default Help is a private independent company. We are not affiliated with, endorsed by, sponsored by, or acting on behalf of any government agency, court, trustee, lender, loan servicer, mortgage company, housing counseling agency, or law firm unless specifically disclosed in writing.

If you received a postcard or other communication from Home Default Help, that communication was from Home Default Help and not from your lender, loan servicer, trustee, county office, court, or government agency.

10. Accuracy of Information You Provide

You agree that any information you provide to Home Default Help is accurate to the best of your knowledge. This may include your name, phone number, email address, property address, mortgage status, ownership status, notice status, sale date, lien information, occupancy status, and whether you are authorized to discuss the property.

You agree not to submit information about a property unless you are the owner, an authorized representative of the owner, or otherwise have permission to communicate about the property.

11. Third-Party Referrals and Resources

Home Default Help may provide general information about third-party resources or may refer you to third parties, including potential buyers, real estate professionals, attorneys, escrow or title companies, housing counseling agencies, lenders, investors, contractors, or other service providers.

We do not control third-party providers and are not responsible for their advice, services, fees, representations, acts, omissions, or outcomes. You should independently review and verify any third party before relying on that third party.

12. Privacy

By using this website or submitting your information, you consent to the collection and use of your information for purposes related to your inquiry, homeowner options review, communication, follow-up, potential property evaluation, potential buyer connection, or related business purposes.

Information you submit may include your name, phone number, email address, property address, mortgage-default status, property details, and other information you choose to provide.

If you create a separate Privacy Policy page, link it here: Privacy Policy.

13. Acceptable Use of This Website

You agree not to misuse this website. You may not use this website to submit false information, impersonate another person, interfere with website operation, attempt unauthorized access, copy website content for unlawful purposes, or use this website in any way that violates applicable law.

14. Limitation of Liability

To the fullest extent permitted by law, Home Default Help and its owners, managers, employees, contractors, representatives, service providers, referral partners, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising from your use of this website, communications with us, reliance on general information, or any third-party service or referral.

You are responsible for making your own decisions and seeking independent professional advice before signing documents, selling property, making mortgage decisions, ignoring or responding to a Notice of Default, or taking any action related to foreclosure, mortgage default, legal rights, taxes, credit, or finances.

15. Governing Law and Jurisdiction

These Terms & Conditions are governed by the laws of the State of Nevada, without regard to conflict-of-law principles. To the extent permitted by law, any dispute relating to this website, these Terms & Conditions, or your communications with Home Default Help shall be brought in the appropriate state or federal courts located in Clark County, Nevada.

If Home Default Help later provides services, referrals, marketing, or communications in other states, state-specific terms, disclosures, or legal requirements may apply.

16. Changes to These Terms

Home Default Help may update these Terms & Conditions at any time. Updated terms will be posted on this page with a revised “Last Updated” date. Your continued use of this website after changes are posted means you accept the updated terms.

17. Contact Information

If you have questions about these Terms & Conditions, or if you wish to contact Home Default Help, you may call or text:

Home Default Help
Website: HomeDefaultHelp.com
Phone/Text: 725-280-4645
Service Area: Las Vegas, Henderson, North Las Vegas, and Clark County, Nevada

This Terms & Conditions page is a business template and should be reviewed by a qualified Nevada attorney before publication, especially because the website relates to homeowners who may have received a Notice of Default or may be experiencing mortgage distress.